Nordic Fintechs Avarda and Two Team Up to Launch a Next-Gen White-Label Payment Solution

At Avarda, we are at the forefront of the Nordic and European white-label payment sector, transforming the way businesses and consumers engage with seamless and efficient transaction experiences to gain loyalty through payments.Today, we are excited to announce our partnership with Two, a European leader in B2B payments.

Together, we’re launching a next-generation white-label solution that bridges the gap between B2B and B2C payments, bringing the effortless experience of consumer transactions to business purchases.

Through this partnership—bringing together Two’s Buy Now, Pay Later (BNPL) expertise and Avarda’s leading B2C payment solutions—businesses across the Nordics can now offer both B2B and B2C payment options in one customizable, branded checkout experience, without the complexity of multiple providers.

A Game-Changer for Payments
The Nordic e-commerce market is experiencing rapid growth, with projected revenues reaching $41.95 billion by 2025 and an anticipated annual growth rate of 7.93% from 2025 to 2029. While B2C payment solutions have seen significant advancements, the B2B sector continues to rely on outdated legacy systems, such as manual and time-consuming invoicing and billing processes. These inefficiencies hinder business growth, reduce operational efficiency, and slow the adoption of modern payment solutions like BNPL.

Together, Two and Avarda are closing this gap by providing a seamless, digital-first payment experience that caters to both business and consumer buyers.

The Benefits for Merchants
• Seamlessly offer B2B and B2C payment options in one branded checkout experience.
• Enable quick, real-time credit approvals with high acceptance rates for both B2B and B2C.
• Minimize payment friction and enhance customer satisfaction with an automated transaction flow.
• Benefit from robust fraud protection and risk management, designed specifically for both B2B and B2C transactions.

The initial launch is in Sweden, Norway, Denmark, and Finland, and it’s set to redefine the way merchants approach payments in one of the world’s most advanced e-commerce regions.

Shaping the Future of Business Payments
Andreas Mjelde, CEO & Co-founder of Two, states, “Merchants want a single, seamless checkout supporting both business and consumer transactions. Despite the Nordics’ reputation for digital innovation, B2B payments have lagged behind. Many merchants have optimized their B2C operations and now seek to expand into B2B—without the inefficiencies of outdated payment processes and multiple providers. Our partnership with Avarda delivers exactly that: a friction-free, all-in-one solution for modern merchants.”

This partnership marks a major leap in bridging the gap between B2C and B2B payment innovations.

Wilhelm Hyltén-Cavallius, Head of Ecommerce Solution at Avarda, adds, “The initial response from Avarda’s merchants has been overwhelmingly positive. We have seen growing interest from merchants seeking additional capabilities within B2B payments, and this partnership provides a sophisticated yet easy-to-implement solution that addresses their challenges directly. This strategic move reinforces our expertise in B2C payments and enhances our B2B offerings, while enabling us to better serve merchants seeking a complete, branded payment experience.”

The Future of B2B Payments
The B2B BNPL segment is set to drive significant growth in the European BNPL market over the next 3-5 years. With the gross merchandise value of B2B BNPL expected to reach $669.5 billion by 2029, growing at an annual rate of 27.4%, the financial benefits—such as larger basket sizes and higher conversion rates—are becoming too compelling for businesses to overlook.


About Avarda
Avarda is a leading payment solution provider in northern Europe, offering complete checkout solutions designed to maximize conversion and repurchase rates. Through white label payments, Avarda empowers retailers to own the customer journey, creating fully branded checkout and post-purchase experiences that enhance brand identity and loyalty. Avarda’s customizable solutions are designed to boost conversion and integrate seamlessly with business operations.

For media enquiries: pr@avarda.com

About Two
Two is on a mission to revolutionise B2B payments by making net-term selling as effortless as card payments. With a diverse team spread across 15 countries and offices in Oslo, Stockholm, Glasgow, London and New York, as well as collaborations with leading financial institutions such as Allianz, Santander, ABN AMRO and Kredinor, Two has become a trusted payment enabler for B2B companies throughout Europe.

For media enquiries: matthew@deliberate-pr.com